Return to work incentives automatically included to support recovery via access to vocational and physical rehabilitation, career planning and transitional work return.

Claims management services provide employees with support and access to vocational and physical rehabilitation, career planning and transitional work return

Bridge2Health Integrated Disability program is automatically included for employers who have purchased both fully insured UnitedHealthcare medical and disability coverages

Flexible plan design options based on:

Benefit durations

Monthly benefit amounts

Customization for occupational, and industry groups available to groups of 100 or more employees

FMLA and absence management services also available for larger cases

Optional enhancements such as cost-of-living adjustment (COLA) and child care expense benefit are also available for certain group sizes

Fully insured

Non-contributory (employer-paid)

Contributory (employer/emploee paid) for groups with 10+ employees

Voluntary (employee-paid) for groups with 10 or more employees

Employee buy-up plans for larger cases

*Employers who purchase UnitedHealthcare ASO medical may be eligible for Bridge2Health Integrated Disability subject to review of medical care and behavioral management services This product overview may not be applicable for all groups. Please refer to your Certificate of Coverage or benefit plan documents for information about actual offerings and coverage.

Life Insurance Plans

Accelerated benefit of up to 50% of covered amount under certain circumstances3

Waiver of premiums for disabled employees under age 603

Conversion to an individual life insurance policy under certain circumstances

Additional services for beneficiaries, including grief and loss consultation and financial and legal assistance

Extra services for added peace of mind, including employee access to 24/7 travel assistance for domestic and foreign travelers with emergency travel needs, as well as online tools and information for preparing wills and trusts

This additional insurance provides coverage for loss of life or injuries incurred on or off the job and within 90 days from the date of an accident1

AD&D insurance is included with one of the basic or supplemental life insurance policies

AD&D seat belt benefit of an additional 10% of the AD&D benefit (up to $10,000)4

Available for Dependent Supplemental Life coverage

Limitations for AD&D include: disease, bodily or mental infirmity, suicide or intentionally self-inflicted injury, commission of an assault or felony, war, use of any drug unless prescribed by a physician, driving while intoxicated, engaging in any hazardous activities, or travel in a private aircraft.

Eligibility for automatic deposit into an Optum Bank Wealth Management Account is subject to qualifying conditions evaluated by Optum Bank and UnitedHealthcare at the time of claim review to include limited availability in certain states. Optum Bank, Member FDIC, is part of the financial services unit of OptumHealth, a UnitedHealth Group (NYSE:UNH) company.

This option is not available for dependent life and some states may have restrictions.

Not payable if the driver was legally intoxicated or under the influence of drugs at the time of the accident.

This product overview may not be applicable for all groups. Please refer to your Certificate of Coverage or benefit plan documents for information about actual offerings and coverage.

Lump-sum payments are 100% of the coverage amount unless otherwise noted as a partial benefit. Partial benefits allow the remaining coverage to be paid for another covered illness in that benefit category. Subject to medical verifications and conditions as defined in the policy.

If spouse and/or children coverage is offered as part of the plan.

This product overview may not be applicable for all groups. Please refer to your Certificate of Coverage or benefit plan documents for information about actual offerings and coverage.